TALLAHASSEE, Fla. - A Florida appeals panel on Nov. 30 affirmed a lower court's ruling against an insurer in a coverage dispute arising from property damage caused by hurricanes Ivan and Dennis, finding that a condominium insured's developer and general contractor have no liability to the insurer pursuant to an agreement for warranty repairs (Landmark American Insurance Company v. Santa Rosa Beach Development Corp., et al., No. 1D11-4882, Fla. App., 1st Dist.; 2012 Fla. App. LEXIS 20553).